Posts: 14,062
Registered: ‎04-15-2011
Re: Convergent collection letter

+1  You need to get that DV in the mail.  Being as you have just received a dunning letter, it will be considered timely and thus cease collection activity until they validate that the debt is yours.  You say that you have never had a citi account,  if this is the case then perhaps it's a case of mistaken identity or identity theft.  Get that DV in the mail so that you know where you stand.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!